Orrstown Bank
Harrisburg, Pennsylvania, Dauphin County
$5.6B in total assets, the 269th largest of 4,309 US banks and 14th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 713
- Established
- 1919
- Owned by
- Orrstown Finl Services Inc
- Primary regulator
- FED
- Website
- www.orrstown.com
At a glance
Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.6B | 86% | $2.2B | |
| Loans | $4.1B | 83% | $1.6B | |
| Deposits | $4.6B | 86% | $1.8B | |
| Return on assets | 1.69% | 92% | 1.16% | |
| Net interest margin | 3.99% | 75% | 3.71% | |
| Efficiency ratio | 52.5% | 17% | 59.5% | |
| Equity to assets | 11.14% | 67% | 10.31% | |
| Loans to deposits | 89% | 47% | 90% |
Growth
Total assets grew 14.0% a year over the last 5 years and 15.7% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2024 | PeoplesBank, a Codorus Valley Company York, PA | $2.2B |
| May 2019 | Hamilton Bank Towson, MD | $499M |
| Oct 2018 | First Community Bank of Mercersburg Mercersburg, PA | $184M |
| Jun 2007 | The First National Bank of Newport Newport, PA, an affiliate under the same holding company | $141M |
Where they operate
42 branches in 11 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| York County, PA | $1.4B | 14.6% | 2 of 15 |
| Cumberland County, PA | $1.1B | 9.5% | 3 of 20 |
| Franklin County, PA | $652M | 18.6% | 3 of 9 |
| Baltimore County, MD | $467M | 1.7% | 10 of 25 |
| Lancaster County, PA | $403M | 2.1% | 12 of 25 |
| Dauphin County, PA | $267M | 3.3% | 8 of 19 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 19 branches since 2016 (23 to 42, +82.6%). 8 opened, 33 acquired, 22 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 23 | |||
| 2016 | Opened Shippensburg | 1 | 0 | +1 | 24 |
| 2017 | Opened Lancaster and New HollandClosed Carlisle | 2 | 2 | 0 | 24 |
| 2018 | Acquired First Community Bank of MercersburgOpened East Earl and Lancaster | 5 | 0 | +5 | 29 |
| 2019 | Acquired Hamilton BankOpened Lancaster and Lititz | 9 | 0 | +9 | 38 |
| 2020 | Closed 6 in Pennsylvania | 0 | 6 | −6 | 32 |
| 2021 | Closed 6 in 2 states | 0 | 6 | −6 | 26 |
| 2022 | Closed 4 in Pennsylvania | 0 | 4 | −4 | 22 |
| 2023 | Sold 1 branch to The Juniata Valley Bank | 0 | 1 | −1 | 21 |
| 2024 | Acquired PeoplesBank, a Codorus Valley CompanyOpened Lancaster | 24 | 0 | +24 | 45 |
| 2025 | Closed Lancaster and Lititz | 0 | 2 | −2 | 43 |
| 2026 through Q2 | Closed Willow Street | 0 | 1 | −1 | 42 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 48% | 32% | |
| 1-4 family residential | 25% | 35% | |
| Business (C&I) | 11% | 10% | |
| Construction and land | 6% | 6% | |
| Multifamily | 6% | 7% | |
| Farmland | 2% | 3% | |
| Consumer | 0% | 3% | |
| Other | 2% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 61% | 54% | |
| Noninterest-bearing | 20% | 20% | |
| Time deposits | 19% | 27% |
Brokered deposits are 2.1% of deposits (peers 2.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.60% | 0.56% |
| Net charge-offs, annualized | 0.10% | 0.04% |
| Reserves to loans | 1.13% | 0.98% |
| Leverage ratio | 9.97% | 9.89% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in York County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/orrstown